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Question...

I switched my mediclaim insurance from national Insurance to Oriental Insurance (as I changed by agent)and within the 1st month, I got ill and was admitted to Apollo Hospital. My request for cash less was not entertained, during my stay in hospital, so I filed for reimbursement laster on. Now the Oriental Insurance is saying that they dnt offer the benefit of continutity in this case. And they are not ready to reimburse. My question is what can I do in this case to get my claim reimbursed of Rs. 56000 approx. Please help me.

Answer...

To the best of our knowledge, any
hospitalisation within the first month of buying a new policy will not
be paid by the insurance company. Still you can put in your claim with
Insurance Ombudsman. Details of the Ombudsman will be available on the
official website of IRDA.

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Date : Jan 7, 2009

Question

I switched my mediclaim insurance from national Insurance to Oriental Insurance (as I changed by agent)and within the 1st month, I got ill and was admitted to Apollo Hospital. My request for cash less was not entertained, during my stay in hospital, so I filed for reimbursement laster on. Now the Oriental Insurance is saying that they dnt offer the benefit of continutity in this case. And they are not ready to reimburse. My question is what can I do in this case to get my claim reimbursed of Rs. 56000 approx. Please help me.

Answer

To the best of our knowledge, any
hospitalisation within the first month of buying a new policy will not
be paid by the insurance company. Still you can put in your claim with
Insurance Ombudsman. Details of the Ombudsman will be available on the
official website of IRDA.